Author: James Harnsberger

Nothing is more frustrating than seeing yourself literally drown in debt. Imagine watching those mortgage papers and bills pile up each month. Pretty terrifying, right? This situation could prove to be quite hard for just about anybody who has nothing to think about but money and how to keep it …

What are the myths about starting a business? Starting the business is always the hardest. There is a lot of preparation involved in it—from government accreditation and licenses to various other things like logistics. There is also a matter of feasibility study and finding the right venue for the …

Why you should teach your kids to invest? It’s never too early to teach children about investing. We already know that it’s better to start investing at the earliest possible time. But we always assumed that investing should be delayed in our early 20s or as soon as we start …

How to Develop Good Financial Habits? Good financial habits can be learned and developed by doing them daily. Just like brushing your teeth or combing your hair every day, you do it every day because it is beneficial. Not doing it in a day would make you uncomfortable. It will …

It’s almost that time of the year again when students go back to school and parents need to do some—a lot actually—shopping for school supplies, clothes and shoes. And if your children go to private school, some uniform sets. It’s going to be really expensive even if you are sending …

It is almost certain that you’ve heard of the saying: Better late than never. This adage certainly holds true. However, one will have a lot of catching up to do. But the important thing is that you can catch up. This way, there will be no regrets. In a survey …

There is no assurance for a successful business. It is always a risk. There is no guaranteed formula for it. However, there is always one thing you can and should do: PREPARE. In life, you have to be prepared to get a better outcome. Say in school, you have to study …

When you have a full-time job but are still itching to earn extra income, a passive income may be your best deal. A passive income is one that you earn from investments that you have no active participation in. Among the most popular passive income opportunities are though properties being …

Medical emergencies are a hassle. Not only is a visit to the emergency department expensive, it is an expense that is out of the budget because obviously the emergency was not planned. This is why the phrase “health is wealth” was coined. If people are healthy, they can work on …

For a business to thrive, monthly expenditure should be cut to a minimum. But this doesn’t mean you don’t invest on your business—in terms of marketing and employment. This only means that you spend wisely and practically. Marketing is one necessary expense for a business. If nobody has heard of …